vs
Finward Bancorp（FNWD）与EVERSPIN TECHNOLOGIES INC.（MRAM）财务数据对比。点击上方公司名可切换其他公司
Finward Bancorp的季度营收约是EVERSPIN TECHNOLOGIES INC.的1.1倍（$16.5M vs $14.9M），Finward Bancorp净利率更高（12.0% vs -2.0%，领先14.0%），EVERSPIN TECHNOLOGIES INC.同比增速更快（13.2% vs 1.1%），过去两年EVERSPIN TECHNOLOGIES INC.的营收复合增速更高（18.2% vs -19.1%）
Finward Bancorp是一家总部位于美国的区域性银行控股公司，主要面向本土运营区域内的个人消费者与中小企业，提供储蓄账户、各类贷款、商业融资及财富管理等零售与商业金融服务。
Everspin Technologies是一家总部位于美国亚利桑那州钱德勒的上市半导体企业，核心业务为研发生产磁阻随机存取存储器（MRAM）产品，涵盖Toggle MRAM与自旋转移矩MRAM两大产品系列，同时也对外授权嵌入式MRAM、磁传感器相关技术，并提供嵌入式MRAM后道代工服务。
FNWD vs MRAM — 直观对比
营收规模更大
FNWD
是对方的1.1倍
$14.9M
营收增速更快
MRAM
高出12.1%
1.1%
净利率更高
FNWD
高出14.0%
-2.0%
两年增速更快
MRAM
近两年复合增速
-19.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.5M | $14.9M |
| 净利润 | $2.0M | $-296.0K |
| 毛利率 | — | 52.7% |
| 营业利润率 | 11.0% | 29.0% |
| 净利率 | 12.0% | -2.0% |
| 营收同比 | 1.1% | 13.2% |
| 净利润同比 | -5.6% | — |
| 每股收益（稀释后） | $0.46 | $-0.01 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收FNWDMRAM
| Q1 26 | — | $14.9M | ||
| Q4 25 | $16.5M | $14.8M | ||
| Q3 25 | $17.4M | $14.1M | ||
| Q2 25 | $16.6M | $13.2M | ||
| Q1 25 | $15.5M | $13.1M | ||
| Q4 24 | $16.3M | $13.2M | ||
| Q3 24 | $14.9M | $12.1M | ||
| Q2 24 | $14.6M | $10.6M |
净利润FNWDMRAM
| Q1 26 | — | $-296.0K | ||
| Q4 25 | $2.0M | $1.2M | ||
| Q3 25 | $3.5M | $54.0K | ||
| Q2 25 | $2.2M | $-670.0K | ||
| Q1 25 | $455.0K | $-1.2M | ||
| Q4 24 | $2.1M | $1.2M | ||
| Q3 24 | $606.0K | $2.3M | ||
| Q2 24 | $143.0K | $-2.5M |
毛利率FNWDMRAM
| Q1 26 | — | 52.7% | ||
| Q4 25 | — | 50.8% | ||
| Q3 25 | — | 51.3% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 51.4% | ||
| Q4 24 | — | 51.3% | ||
| Q3 24 | — | 49.2% | ||
| Q2 24 | — | 49.0% |
营业利润率FNWDMRAM
| Q1 26 | — | 29.0% | ||
| Q4 25 | 11.0% | -7.2% | ||
| Q3 25 | 20.5% | -11.0% | ||
| Q2 25 | 12.7% | -14.9% | ||
| Q1 25 | 4.0% | -14.7% | ||
| Q4 24 | 16.3% | -11.8% | ||
| Q3 24 | 2.7% | -17.5% | ||
| Q2 24 | 0.9% | -26.5% |
净利率FNWDMRAM
| Q1 26 | — | -2.0% | ||
| Q4 25 | 12.0% | 8.1% | ||
| Q3 25 | 20.1% | 0.4% | ||
| Q2 25 | 12.9% | -5.1% | ||
| Q1 25 | 2.9% | -8.9% | ||
| Q4 24 | 12.9% | 9.2% | ||
| Q3 24 | 4.1% | 18.8% | ||
| Q2 24 | 1.0% | -23.5% |
每股收益（稀释后）FNWDMRAM
| Q1 26 | — | $-0.01 | ||
| Q4 25 | $0.46 | $0.05 | ||
| Q3 25 | $0.81 | $0.00 | ||
| Q2 25 | $0.50 | $-0.03 | ||
| Q1 25 | $0.11 | $-0.05 | ||
| Q4 24 | $0.50 | $0.07 | ||
| Q3 24 | $0.14 | $0.10 | ||
| Q2 24 | $0.03 | $-0.12 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $40.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $174.7M | $70.2M |
| 总资产 | $2.0B | $83.2M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资FNWDMRAM
| Q1 26 | — | $40.5M | ||
| Q4 25 | — | $44.5M | ||
| Q3 25 | — | $45.3M | ||
| Q2 25 | — | $45.0M | ||
| Q1 25 | — | $42.2M | ||
| Q4 24 | — | $42.1M | ||
| Q3 24 | — | $39.6M | ||
| Q2 24 | — | $36.8M |
股东权益FNWDMRAM
| Q1 26 | — | $70.2M | ||
| Q4 25 | $174.7M | $68.9M | ||
| Q3 25 | $165.5M | $65.8M | ||
| Q2 25 | $154.3M | $64.1M | ||
| Q1 25 | $151.8M | $63.0M | ||
| Q4 24 | $151.4M | $62.6M | ||
| Q3 24 | $159.6M | $59.3M | ||
| Q2 24 | $148.6M | $55.4M |
总资产FNWDMRAM
| Q1 26 | — | $83.2M | ||
| Q4 25 | $2.0B | $84.6M | ||
| Q3 25 | $2.1B | $80.3M | ||
| Q2 25 | $2.1B | $78.9M | ||
| Q1 25 | $2.0B | $80.2M | ||
| Q4 24 | $2.1B | $77.8M | ||
| Q3 24 | $2.1B | $72.6M | ||
| Q2 24 | $2.1B | $64.6M |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $9.9M | $570.0K |
| 自由现金流经营现金流 - 资本支出 | $9.0M | — |
| 自由现金流率自由现金流/营收 | 54.8% | — |
| 资本支出强度资本支出/营收 | 5.2% | — |
| 现金转化率经营现金流/净利润 | 4.99× | — |
| 过去12个月自由现金流最近4个季度 | $10.6M | — |
8季度趋势，按日历期对齐
经营现金流FNWDMRAM
| Q1 26 | — | $570.0K | ||
| Q4 25 | $9.9M | $2.6M | ||
| Q3 25 | $1.2M | $881.0K | ||
| Q2 25 | $4.8M | $5.0M | ||
| Q1 25 | $-3.8M | $1.4M | ||
| Q4 24 | $9.8M | $3.8M | ||
| Q3 24 | $-3.7M | $2.8M | ||
| Q2 24 | $2.8M | $1.7M |
自由现金流FNWDMRAM
| Q1 26 | — | — | ||
| Q4 25 | $9.0M | $-975.0K | ||
| Q3 25 | $1.0M | $543.0K | ||
| Q2 25 | $4.5M | $3.0M | ||
| Q1 25 | $-4.0M | $527.0K | ||
| Q4 24 | $6.7M | $2.1M | ||
| Q3 24 | $-4.2M | $2.8M | ||
| Q2 24 | $1.1M | $1.7M |
自由现金流率FNWDMRAM
| Q1 26 | — | — | ||
| Q4 25 | 54.8% | -6.6% | ||
| Q3 25 | 6.0% | 3.9% | ||
| Q2 25 | 27.0% | 22.9% | ||
| Q1 25 | -25.7% | 4.0% | ||
| Q4 24 | 41.2% | 15.8% | ||
| Q3 24 | -28.5% | 22.9% | ||
| Q2 24 | 7.6% | 15.9% |
资本支出强度FNWDMRAM
| Q1 26 | — | — | ||
| Q4 25 | 5.2% | 24.3% | ||
| Q3 25 | 0.9% | 2.4% | ||
| Q2 25 | 1.7% | 15.1% | ||
| Q1 25 | 1.2% | 6.9% | ||
| Q4 24 | 18.8% | 13.2% | ||
| Q3 24 | 3.4% | 0.5% | ||
| Q2 24 | 11.2% | 0.3% |
现金转化率FNWDMRAM
| Q1 26 | — | — | ||
| Q4 25 | 4.99× | 2.19× | ||
| Q3 25 | 0.34× | 16.31× | ||
| Q2 25 | 2.22× | — | ||
| Q1 25 | -8.37× | — | ||
| Q4 24 | 4.66× | 3.16× | ||
| Q3 24 | -6.15× | 1.25× | ||
| Q2 24 | 19.23× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
FNWD
暂无分部数据
MRAM
| Product sales | $14.1M | 95% |
| Licensing, royalty, patent, engineering services and other revenue | $772.0K | 5% |
